Go get the police report yourself. Call the insurance adjuster and tell them how much you want (say $650+tax+accessories for the bike, $XXX for bike rental while they twiddled around and $XXXX for pain and suffering) then go see if they offer anything. If they play hardball, then go file small claims against the individual and insurance (both). Include any pain/suffering/medical damage and anything else you can think of.

I just did this with an insurance company when someone else hit my wife while the was driving our car (100% their fault according to police report) and they wanted to pay about half the cost of the damage (didn't quite total the car, but I wasn't having it fixed). They ended up paying the full amount I asked for in small claims plus fees a few days before the trial b;ecause obviously the client didn't want to go to court and they didn't want to send someone to assist their client.